Results for this period
First quarter1 April 2026 to 30 June 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Interest and dividend income increased due to higher domestic interest rates and growth in the balance of loans and bills discounted, among other factors, while other ordinary income declined due to a decrease in gains on sales of shares and other factors. Other operating expenses increased, and losses on sales of bonds were also recognized in light of the rise in domestic interest rates.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | First quarter |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 June 2026 |
| Net Sales | ¥80,832 million (YoY +1.4%) |
| Ordinary income | ¥34,416 million (YoY -21.0%) |
| Profit attributable to owners of the parent | ¥24,350 million (YoY -21.0%) |
| Net income per share | ¥84.77 |
| Equity ratio | End of the current fiscal period 9.8% / End of previous period 9.2% |
| Total assets | ¥9,426,645 million |
| Net assets | ¥923,031 million |
| Full-year earnings forecast | Net Sales ¥270,000 million (YoY +1.5%) / Operating profit Not disclosed / Ordinary income ¥111,000 million (YoY +11.9%) / Net income ¥77,000 million (YoY +3.7%) |
| Revision to Earnings Forecast | Not disclosed → Subject Second quarter (cumulative) / Net Sales ¥147,500 million / Operating profit Not disclosed / Ordinary income ¥62,000 million / Net income ¥43,000 million |
| Annual Dividend Forecast | ¥60 → ¥80 |
| Segment revenue | Banking ¥74,255 million, Leasing ¥5,853 million |
| Segment profit | Banking ¥33,841 million, Leasing ¥227 million |
| Depreciation and amortization | ¥1,951 million |
| Impairment loss | Not applicable (no significant impairment loss on fixed assets) |
| Breakdown of extraordinary income (loss) | Extraordinary income No applicable matters / Extraordinary loss Losses on disposal of fixed assets ¥5 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 0 companies / Excluded 0 companies / Company name None |
| Material subsequent events | The Company entered into a basic agreement with The Ehime Bank,Ltd. toward a business integration and is discussing and considering a share exchange targeted for 1 April 2027. The Company also resolved to acquire up to 6,000,000 shares of its common stock, with a total acquisition price capped at ¥15 billion. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | No |
| Issued Shares at Period-End | 313,408,831 shares |
| Treasury Shares at Period-End | 26,310,203 treasury shares |
| Factors Behind Changes in Business Performance | Interest and dividend income increased due to higher domestic interest rates and growth in the balance of loans and bills discounted, among other factors, while other ordinary income declined due to a decrease in gains on sales of shares and other factors. Other operating expenses increased, and losses on sales of bonds were also recognized in light of the rise in domestic interest rates. |
Items this document does not state (10)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Although interest and dividend income increased due to higher domestic interest rates and growth in the balance of loans and bills discounted, other ordinary income declined due to a decrease in gains on sales of shares and other factors. Ordinary profit and net income attributable to owners of the parent also declined due to higher other operating expenses and the recognition of losses on sales of bonds in light of the rise in domestic interest rates.